Page 18 - Benefit Guide

Hospital Indemnity Insurance
Hospital Indemnity Insurance provides a fixed lump-
sum payment that can help cover hospital expenses not
covered by insurance, or to pay for expenses while you,
your spouse/domestic partner, and/or dependents are in
the hospital.
΅΅ The plan pays $X,000 (limit of one time per plan year)
for the initial hospital admission, as well as $X00 per
day, for up to XX days (one time per plan year), that an
individual is hospitalized.
΅΅ An additional $X00 per day is provided if the individual ΅΅ Full-service identity restoration
is in intensive care.
΅΅ A XX-month pre-existing condition exclusion applies
for treatment received X months prior to the coverage
starting.
΅΅ The plan does not cover routine inpatient nursery or
newborn expenses.
Long-Term Care Insurance
You and your family members are eligible to participate in
the voluntary Long-Term Care Insurance (LTCI) program
available at discounted rates through carrier.
Long-Term Care Insurance helps pay for the cost of care
generally not covered by health insurance, Medicare, or
Medicaid; such as nursing-home care, home health care,
personal or adult day care for individuals above the age
of 65 or with a chronic or disabling condition that needs
constant supervision.
Legal plan
The legal plan provides legal representation for you,
your spouse/domestic partner, and your dependents at a
price that won’t break your budget. You can receive legal
advice and fully covered legal services for a wide range of
personal legal matters from a network-participating plan
attorney. Services provided through the plan include:
΅΅ Court appearances
΅΅ Document review and preparation
΅΅ Debt collection defense
΅΅ Will preparation
΅΅ Family law
΅΅ Real estate matters
When you use a plan attorney for covered services, there
is no waiting period, limits on usage, deductibles or
copays. The plan is available at a low monthly group rate,
which you can pay through automatic payroll deductions.
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Identity Theft Protection
This plan through carrier is designed to protect your
identity and assets through identity, credit and social
media monitoring. Carrier also extends dependent
coverage to any dependent who lives in the same
household as you or who is financially dependent on you,
with no age limit. The plan includes:
΅΅ Identity and credit monitoring
΅΅ Annual credit report and monthly credit score tracking
΅΅ Social media reputation monitoring
΅΅ Digital wallet storage and monitoring
This plan is available at a low monthly group rate, which
you can pay through automatic payroll deductions.
Pet insurance
You can purchase health insurance, administered by
XX, for your dog, cat, bird or other exotic animals. Like
a regular health insurance plan, a pet insurance policy
can help you plan for your pet’s health care — and offset
costs for routine care and unexpected illness or injury.
Your premium is based on your pet’s species, age, the
benefits coverage you select and where you live. For more
information, a quote or to enroll, visit XX.
Auto and home insurance
Carrier auto and home insurance is designed to help you
protect your home and automobile for affordable group
rates.
΅΅ Auto: In addition to basic liability protection, you can get
24/7 claim service, rental car damage coverage, Identity
Theft Protection Services, towing/roadside assistance,
windshield repair without a deductible and more.
΅΅ Home: Coverage is designed to fully replace your home
in the event of a loss and to prevent you from incurring
extra costs.
For more information, a quote or to enroll, visit XX.